ST PAUL BANCORP INC
15-12G, 1999-10-12
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

CERTIFICATION  AND NOTICE OF TERMINATION OF REGISTRATION  UNDER SECTION 12(g) OF
THE SECURITIES  EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                                Commission File Number   0-15580


                             St. Paul Bancorp, Inc.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


          6700 W. North Avenue, Chicago, Illinois 60707, (773) 804-2284
- --------------------------------------------------------------------------------
    (Address, including zip code, and telephone number, including area code,
                  of registrant's principal executive offices)


                     Common Stock, par value $0.01 per share
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)


                                      None
- --------------------------------------------------------------------------------
       (Titles of all other classes of securities for which a duty to file
                 reports under section 13(a) or 15(d) remains)

     Please  place  an X in  the  box(es)  to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

    Rule 12g-4(a)(1)(i)      /X/               Rule 12h-3(b)(1)(i)   / /
    Rule 12g-4(a)(1)(ii)     / /               Rule 12h-3(b)(1)(ii)  / /
    Rule 12g-4(a)(2)(i)      / /               Rule 12h-3(b)(2)(i)   / /
    Rule 12g-4(a)(2)(ii)     / /               Rule 12h-3(b)(2)(ii)  / /
                                               Rule 15d-6            / /

     Approximate number of holders of record as of the certification or notice
date:     None

     Pursuant to the requirements of the Securities Exchange Act of 1934, St.
Paul Bancorp, Inc. has caused this certification/notice to be signed on its
behalf by the undersigned duly authorized person.


Date:    October 2, 1999        By:  /s/ Robert J. Vana
         ----------------          ---------------------------------------------
                                   Robert J. Vana
                                   Senior Vice President, Chief Corporate
                                     Counsel and Corporate Secretary of
                                     Charter One Financial, Inc.
                                   (successor by merger to
                                    St. Paul Bancorp, Inc.)




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